Introduction: Can You Sell a Home with an Unpermitted Addition?
Did you or a previous homeowner add a room, deck, garage, or other structure without obtaining the proper permits? If so, you may be wondering if you can still sell the home in Missouri.
The short answer is YES, but there are challenges. Unpermitted additions can cause legal issues, financing problems, and lower buyer interest. In this guide, we’ll break down your options, legal considerations, and the best way to sell fast.
1. What Is an Unpermitted Addition?
An unpermitted addition is any construction or renovation that was not approved by the city or county. Common examples include:
🚨 Common Unpermitted Additions:
- Garage conversions or basement remodels
- Sunrooms, porches, or room extensions
- Plumbing or electrical work without inspection
- Secondary living units (guest houses, ADUs, mother-in-law suites)
- Structural changes without a permit
💡 Why It’s a Problem: If the addition doesn’t meet local building codes, buyers may struggle to get a mortgage, and the city could require costly fixes—or even removal.
📌 Related Blog: How to Sell a Home with Code Violations in Missouri
2. Can You Sell a Home with an Unpermitted Addition in Missouri?
Yes! Missouri law allows you to sell a home with unpermitted work, but you must disclose it to buyers.
How It Affects Your Sale:
✅ Buyers may request a lower price due to unknown risks.
✅ Lenders may not approve a mortgage if the addition violates zoning laws.
✅ The city may require permits or modifications before selling.
✅ Selling to a cash buyer eliminates these issues.
📌 Related Blog: How to Sell a Home That Needs Major Repairs in Missouri
3. What Are Your Options for Selling a Home with an Unpermitted Addition?
If you’re ready to sell, here are your best options:
Option 1: Sell As-Is to a Cash Buyer (Fastest & Easiest Solution)
✅ No inspections, repairs, or permits required
✅ Close in as little as 7-14 days
✅ No risk of mortgage approval delays
💡 Best for: Homeowners who don’t want to deal with city permits or legal issues.
📌 Related Blog: How to Sell Your Home Fast for Cash in Missouri
Option 2: Get the Addition Permitted Before Selling
✅ If the city allows, you can apply for a retroactive permit.
✅ May involve inspections, repairs, and fees.
✅ Helps you attract traditional buyers and higher offers.
❌ Process can take weeks or months to complete.
💡 Best for: Homeowners who have time and money to invest before selling.
📌 Related Blog: For Sale By Owner (FSBO) in Missouri
Option 3: Sell the Home & Offer a Credit for Permitting
✅ Some buyers will accept the risk if they get a discount.
✅ You can offer a repair credit instead of fixing the issue yourself.
✅ Buyers must agree to assume responsibility for the unpermitted work.
💡 Best for: Sellers who want a traditional sale but don’t want to handle the permitting process themselves.
4. Will an Unpermitted Addition Lower My Home’s Value?
Possibly. If the addition doesn’t meet code requirements, buyers may negotiate a lower price or walk away entirely. Here’s how it affects different types of buyers:
| Buyer Type | Impact of Unpermitted Addition |
|---|---|
| Cash Buyers & Investors | No impact—will buy as-is. |
| Traditional Homebuyers | May require a discount or permit correction. |
| Buyers Using FHA/VA Loans | May not qualify for financing. |
💡 If you need to sell quickly, a cash buyer is often the best choice.
📌 Related Blog: The Step-by-Step Process of Selling Your Home to an Investor
5. Legal Considerations When Selling a Home with an Unpermitted Addition in Missouri
Before listing your home, be aware of these legal factors:
✔ Full Disclosure Is Required – Missouri law requires sellers to disclose unpermitted work.
✔ Title & Appraisal Issues May Arise – Some lenders will not approve financing for homes with major violations.
✔ The City Can Require Demolition – If the addition is unsafe, local authorities may demand removal.
✔ A Cash Buyer Can Help You Avoid These Issues – Selling off-market bypasses traditional mortgage barriers.
6. Final Thoughts: The Fastest Way to Sell a Home with an Unpermitted Addition
Selling a home with unpermitted work can be tricky, but you still have options. If you want to avoid permits, inspections, and delays, selling as-is to a cash buyer is the fastest, most hassle-free solution.
📌 Need to sell fast? Get a cash offer today by filling out this easy form and avoid costly permitting issues!
Learn more at Sell Your Home Fast in Springfield, MO – No Repairs, No Commissions, No Hassle
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